What is The Best Time to Invest in Gold

This article discusses what asset class does gold belong to, what are its characteristic and trend behaviour. It also outlines what is the best time to invest in gold for both long term and medium term investors

This article seeks to set down what is the best time to invest in gold.

We will firstly determine the asset class that Gold fits into. Seondly, we will list down its characteristics and trend behaviour . Thirdly, we will discuss how does gold investment fit into your overall portfolio. Last but not least, we will nail down the all important question of What is the best time to invest in gold.

Asset Class

Generally, there are a few asset classes for your investment portfolio which you would need to be aware of. They are cash or cash equivalents, equities, bonds, real estate, commodities. Moreover, these can be further divided into sub classes. For example, commodities can be broadly divided into 3 sub classes of Precious Metals, Energy and other commodities, simply because all 3 have slightly different characteristics which justifies further classification. We can also divide equities into 3 sub classes. They are defensive stable dividend paying stocks, growth stocks, high risk speculative new venture stocks

For a balanced portfolio, it is always advised that you have some investments in all of the above mentioned classes.

So, which asset class does gold fall into. Gold is a very unique asset. It falls under the commodity class and specifically the precious metals sub class. However, it also can be cash or cash equivalents, as a universal store of value. In this respect, it can be traded as a forex pair like XAUUSD, XAUJPY.

Characteristics and Trend Behavior

We will discuss the characteristics for gold as an precious metals asset class, characteristic for gold as an cash or cash equivalent and its trend behaviour

Characteristic of Gold as a Precious Metal

The main characteristics of the commodity class is that it does not pay anything for holding it. It does not bear interest. Neither does it pay dividend. You make a profit mainly from the difference in the price you bought and the price you sell.

Another characteristic is that its value is primarily driven by market demand and market supply. For example, in the case of soy beans, when demand shifts up, the price goes up. And if, there is a supply shock, for example natural disasters affecting soy bean plantation, the price goes up too.

Another characteristic is that there is physical delivery of the commodity that is purchased.

However, Gold is also part of the sub class of Precious Metals which has an additional characteristic of this sub class. This is limited supply. Because it is mined, there is a limit to how much supply there is. You will find that this is especially so for the case of gold. So, in the case of gold, its price is determined more on the demand side, rather than the supply side.

Characteristic of Gold as Forex

On the other hand, its value is also determined by performance of other currencies. That is, when there is a crisis in Japan, gold expressed in japanese yen would go up much more.

Trend Behaviour to determine what is the best time to invest in gold

Gold will reacts to the following factors, namely crisis, currency devaluation and period of high inflation

a. Crisis

In periods of severe crisis, its appeal as a safe haven would cause the price of gold to skyrocket. This is because it is universally accepted and is impervious to what happens in the world. Therefore, in a crisis, when confidence is eroded, flight to safety would mean funds will start flooding into gold

b. Currencies devaluation

During times when fiat currencies are devalued, Gold will automatically rise against such currencies. So, for those who are in countries where their currency is being devalued, the best way for them to preserve their wealth is through gold holdings.

c. Period of high inflation

You will also find that Gold performs exceptionally well in times of high inflation, especially due to supply shocks. You will notice that it rocketed during the 1970’s oil crisis. What’s more, you see that it made an all time high (in real terms) in 1981 before drifting back down.

Furthermore, you will notice that inflation was going through the roof during that time. So much so, that the Fed chief at that time have to increase interest rates dramatically to curb it.

How It fits into your overall portfolio

You should have some exposure to gold as part of your portfolio. Gold is usually counter-cyclical. When equity prices is high and gold prices are low when the economy is steaming ahead, you would need to rebalance your portfolio. This is done by cashing out some of your other investments which seems over-extended and put into gold. This is to protect your overall investment portfolio, when troubles come and equities are taking a beating, your gold investment can help.

What is the best time to invest in gold

I believe you would have already guessed it from the above.

For long term investors

For long term investors, the best time to invest in gold would be during periods of calm before the storm. This is the time when the price of gold would be lowest. During this period, slowly accumulate gold. Hold off or slow down your purchases when the storm breaks. When the storm seems to being resolved, you can either opt to sell a portion of your holdings to lock in profits or wait for prices to come down before accumulating again.

For medium term investors

For medium term investors, the best time to invest is at the first sign of trouble and to get out at the first sign of resolution of trouble.

How to Start Investing

I prefer to invest in physical bullion for the long termFree Web Content, whilst engaging in short term trading in the forex pair XAUUSD.

You can download a free gold investment kit here to help you get started in physical bullion investing.

The Best Indoor Tanning Bed Lotion for Your Skin

Using tanning beds to maintain a warm glow throughout the year has many benefits, and these benefits can be capitalized on with the best tanning bed lotion. Choosing the right indoor tanning bed lotion can be a process, but it is important clients understand their skin’s needs to get the most out of a tanning session.

Tanning beds help clients achieve a warm glow without having to expose skin to direct sunlight, and the key to this process is the use of the best tanning bed lotion. Every client climbing into a tanning bed has different skin with different needs and the best tanning lotion for one is going to be different than for another.

The Importance of Tanning Bed Lotions

Indoor tanning bed lotions are different from the bottle one might take to the beach for a few reasons. The biggest difference is that even the best tanning bed lotions do not protect against UVB; they are designed to improve tanning under UVA lighting. Because of this key difference, indoor tanning bed lotions are not suitable for outdoor use and will not protect skin from harmful rays. On the same token, outdoor tanning lotions can reduce the results of a tanning bed session and oils found in the cream can be harmful to acrylics within the tanning bed.

Find a Skin Type

With different skin types come different needs. Individuals with darker skin are likely going to use a different product than those with pale skin. It is important to understand skin type when choosing the best tanning bed lotion for improving the tanning process while also keeping skin protected. Skin type can be broken down into a set of six classifications:

Type I: pale white skin, always burns and never tans.

Type II: white to light beige, burns easily with rare tanning.

Type III: beige, burns moderately and tans gradually to light brown.

Type IV: light brown, burns minimally and tans well to moderate brown.

Type V: moderate brown, rarely burns and tans profusely to dark brown.

Type VI: dark brown or black, never burns and tans profusely.

If a client is unsure of their skin type, indoor tanning bed salon staff should be able to assist in finding the best tanning bed lotion.

Choosing the Best Lotion

Once skin type is determined, finding a lotion that suits a tanner’s needs becomes a bit easier. Indoor tanning bed lotions come in creams, lotions, and sprays, and deciding on one type over another is largely based on individual preference. It is a good idea to invest in professional tanning bed lotions as over-the-counter lotions may not have the same nutrients and as those qualities found in professional brands. Two of the main types of tanning bed lotions include bronzers and tinglers, and each have their own unique features and outcomes. Bronzers boost skin darkness within two to four hours and can help clients achieve a dark tone they would otherwise not be able to achieve naturally. While this lotion type will have clients seeing an immediate bronzing, the effects fade within a week. Tinglers are considered a more advanced tanning lotion because they promote melanin formation, gaining their name from the tingling sensation users feel once this lotion is applied and the blood flow is quickened. Depending on the desired results, either of these can be considered the best tanning bed lotion.

It can take a series of trial and error to find the best indoor tanning bed lotion, but with some time, research, and help from indoor tanning bed staffArticle Search, clients will be able to find the perfect lotion to help them achieve a healthy glow.

8 Simple Tips for Maintaining a Beautiful Lawn

Who doesn’t love a lawn that’s a beautiful green hue and provides total ground cover? Achieving this goal is a little more involved than mowing the grass a couple of times a month.

Who doesn’t love a lawn that’s a beautiful green hue and provides total ground cover? Achieving this goal is a little more involved than mowing the grass a couple of times a month. In fact, there’s quite a bit to lawn maintenance Arkansas that property owners sometimes overlook. Here are some tips that will make it easier to keep the lawn looking great all year long.

Don’t Mow the Grass Too Short

Property owners who choose to do their own landscaping rather than hiring a service sometimes yield to the temptation to change the settings on the lawnmower wheels and cut the grass a little shorter. While that can mean mowing the lawn less, grass that’s too short paves the way for quite a few other issues.

If the cut is too short, it could expose bald spots in the lawn that you would not see otherwise. This is true with certain types of grass that tend to grow in clumps. Blades that are too short also retain less nutrients. The result is that the grass may begin to yellow and eventually die for a lack of proper nutrition. If you still need more motivation, grass that’s cut too low increases the potential for weeds to flourish.

Stay on Top of Weeds and Moss

If you do notice that weeds are beginning to sprout here and there, don’t allow them to remain in place for very long. The same goes for patch of moss. Weeds steal nutrients from the surrounding grass, increasing the odds of dead spots developing. Moss may be considered picturesque to some people, but it also has a way of killing off grass that’s nearby. One of the joys of calling on the skill of landscape gardeners Arkansas is that they can get rid of problems like moss or flourishing weeds before they can cause a lot of damage to your lawn.

Edging After Mowing is Essential

Now that you know not to mow the grass too short, it’s time to think about the edging. That’s the spaces around the perimeter of the lawn. Some examples would be the line where the driveway meets the lawn, or the area where the flower beds start and the grass ends.

You’ll find that the better lawn care services Arkansas make it a point to edge lawns immediately after mowing. What does this accomplish? It helps to improve the appearance of the grounds. The lawn looks more manicured and finished. It also helps to create what’s known as a root barrier around the flower beds. That barrier helps to reduce the potential for the grass to take over the bed.

Take Care of Bald Spots Promptly

There are several reasons for bald spots developing. One has to do with erosion. Water could be washing away seeds before they can settle in and flourish. There’s also the possibility that the bald spot developed because of some type of grass disease. In the latter scenario, you need to find out what’s happening before the disease can spread to other parts of the lawn.

Once the issue is resolved, you do want to seed the area. A landscaping professional will know how to match the seeds with the type of grass that’s already present. With the right fertilizer and general care, it won’t be long until those bald spots begin to fill in.

But Avoid Over Seeding

When it comes to seeding a lawn, more is not always better. If you have what’s known as a cool grass in the lawn, more seeds are not likely to produce any poor effects. The worst that can happen is the lawn becomes a little thicker than you expect.

With other forms of grass, you’re basically wasting money and seeds. The coverage won’t be any better and you may find the outcome is not all that great. If you’re in doubt about how much seeding to use, consider leaving the task in the hands of a professional.

The Same Goes for Too Much Watering

Is it really possible to water a lawn too much? Even during the summer months, you can overdo things a bit. Some of the potential outcomes will set your overall lawn maintenance Arkansas back quite a bit.

What can happen if you water the lawn too much? The grass roots may begin to rot as the ground becomes saturated. There’s also the possibility of the grass developing fungus that has to be removed before it can spread. Along with these major problems, the grass may begin to turn yellow and die. That’s tied back to the rotting of the grass roots.

Aerate the Lawn During the Spring or Autumn

Lawn aeration is the process of perforating the soil with a series of small holes. The goal is to create points of entry where nutrients and water can penetrate ground that’s compacted and less capable of supporting the root system for most types of grass. Aeration can be accomplished using different types of equipment, including footwear that makes it possible to walk around the lawn and systematically create those perforations.

When’s the best time aerate a lawn? Spring autumn are considered prime seasons. That’s because the ground is more likely to be compacted after the winter or the summer. It’s also two of the seasons when property owners are most likely to seed their lawns. Aeration increases the potential for the seeds to sprout, roots to develop, and grass to grown.

Pay Attention to the Drainage

Pay close attention to what happens with the lawn when it rains. After a heavy rain, are there spots where water tends to stand for a longer period of time? That’s an indication that the drainage is not the best.

You already know how too much water can affect the lawn. Along with too frequent waterings, rain that stands for a long time has the same effect. If you notice this happening, it pays to call in a professional landscaper and see what can be done to improve the drainage. Doing so will prevent a number of potential problems in the years to come.

Remember that proper lawn care pays off in the form of a beautiful landscape. It also means having a space where you can relax and let go of whatever happened earlier in the day. If time is an issueFree Web Content, do consider hiring a professional lawn services. Doing so will ensure that your lawn remains healthy and always looks as if you spent the entire weekend caring for it.